McLean, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
97 employers in McLean, Virginia filed health plans with 100 or more participants for plan year 2024, covering 233,775 participants. They reported $36M in insurance premiums and $17M in broker commissions and fees. Against 2023, premiums were down 9.2% and broker pay rose 13.7%.
Funding: 17 fully insured · 33 self-funded · 47 mixed. 80 of 97 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in McLean
McLean employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Booz Allen Hamilton Inc. | $19,027,063 | $1,014,900 | 34,528 | Buck |
| Zachary Piper LLC | $4,640,451 | $182,592 | 744 | Scott Insurance Services |
| Proctoru | $3,296,606 | $20,652 | 327 | Vita Insurance Associates, Inc. |
| Pentagon Federal Credit Union | $3,213,097 | $166,233 | 3,615 | Ikon Benefits Group Inc |
| Air Line Pilots Association International | $2,554,496 | $1,138 | 4,324 | USI Insurance Services |
| Hilton Employer Inc | $1,747,115 | $1,430,261 | 23,836 | Willis Towers Watson |
| Iridium Satellite LLC | $735,835 | $134,095 | 727 | USI Insurance Services |
| Intellibridge, LLC | $525,297 | $19,038 | 831 | James R. Nelligan & Associates, LLC |
| Ad Hoc LLC | $332,486 | $221,125 | 539 | USI Insurance Services |
| Network Designs Inc. | $193,949 | $199,600 | 199 | OneDigital |
| Inserso Corporation | $186,774 | $78,184 | 380 | Lockton |
| McI USA Operating Co. | $23,321 | $111,886 | 331 | Lockton |
| Ntiva, Inc. | $13,013 | $4,688 | 422 | Sequoia |
| Capital One Financial Corporation | $0 | $696,601 | 46,388 | Strategic Non-Medical Solutions LLC |
| Maximus Services, LLC | $0 | $447,376 | 23,639 | Willis Towers Watson |
| Sunrise Senior Living Management, Inc. | $0 | $162,929 | 14,097 | Brown & Brown |
| Guidehouse Inc. | $0 | $667,707 | 10,517 | Mercer |
| Federal Home Loan Mortgage Corp | $0 | — | 8,108 | — |
| Digital Intelligence Systems, LLC dba Disys | $0 | $669,009 | 6,354 | Lockton |
| HC Salon Holdings, Inc. | $0 | $149,530 | 5,858 | Lockton |
| Air Line Pilots Association, International | $0 | — | 5,749 | — |
| Lasership, Inc. | $0 | $780,788 | 5,149 | Lockton |
| Hilton Worldwide Holdings Inc. | $0 | — | 4,204 | — |
| Pansophic Learning US, LLC | $0 | $767,238 | 2,968 | Gallagher |
| Digital Management, LLC | $0 | $191,168 | 1,958 | Kelly & Associates Insurance Group |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by McLean employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $3,463,014 | 13 |
| Gallagher | $1,750,996 | 5 |
| The Meltzer Group Inc | $1,395,687 | 19 |
| Willis Towers Watson | $1,388,500 | 6 |
| Buck | $1,014,900 | 1 |
| USI Insurance Services | $945,307 | 10 |
| Strategic Non-Medical Solution | $696,601 | 1 |
| The Baldwin Group | $536,345 | 8 |
| Mercer | $532,322 | 3 |
| Marsh McLennan Agency | $481,324 | 7 |
Largest medical carriers
Medical premium written for these employers.
McLean against Virginia and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| McLean | Virginia | United States | |
|---|---|---|---|
| Employer plans | 97 | 1,613 | 58,547 |
| Median commission rate | n/a | 4.6% | 3.8% |
| Middle half of rates | n/a | 3.2% – 6.4% | 2.7% – 5.0% |
| Median broker pay per employer | $103,470 | $71,889 | $72,628 |
| Medical premium per covered person | n/a | $6,864 | $7,274 |
| Plans reporting no commission | 1 | 5 | 933 |
Year over year. In plan year 2023, 90 McLean employers reported $40M in premiums and $15M in broker pay for 222,183 participants; in 2024 it was $36M and $17M for 233,775 participants (premiums −9.2%, broker pay +13.7%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do McLean employers pay health insurance brokers?
97 McLean employers reported $17,100,350 in broker commissions and fees on their 2024 Form 5500 filings, 92 of them disclosing at least some compensation. Too few fully insured medical plans in McLean reported premium to compute a stable commission rate; the Virginia median is 4.6% and the U.S. median is 3.8%. In dollars, the median McLean employer that disclosed broker pay reported $103,470.
Which McLean employers have the largest health plans?
By insurance premium reported for 2024, Booz Allen Hamilton Inc. ($19M), Zachary Piper LLC ($4.6M), Proctoru ($3.3M) lead. 25 McLean employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in McLean?
By compensation reported by McLean employers, the largest brokers are Lockton ($3.5M, 13 plans), Gallagher ($1.8M, 5 plans), The Meltzer Group Inc ($1.4M, 19 plans). By medical premium, the largest carriers are Aetna Life Insurance Company, Cigna Health and Life Insurance Company, Blue Cross and Blue Shield of Alabama.
Are McLean employer health plans self-funded or fully insured?
Of 97 McLean employer plans, 17 are fully insured, 33 are self-funded and 47 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Virginia
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